Winning team

the process of encouraging &
helping others to work
enthusiastically towards objectives.

It is the relationship in which one
person (the leader) influences
others to work together willingly on
related tasks to attain goals desired
by the leader & or group
leaders.ppt (bus1301)

Leader of Our Nation


The Need of the hour is to develop Branch
Managers not only to Manage the Branch but
also Lead the group who can channelize their
contribution towards the goals and objectives
of the Bank. Leader has to rise above the
levels to be able to deal with the people from
different sections/ work class/ with different
attitudes in a harmonious manner.


Leaders vs. Managers
LEADERS: MANAGERS:
innovate administrate
focus on people focus on systems
and structures
inspire trust rely on control
have a long-range view have a short-range
view
ask what and why ask how and when
have eyes on horizon have eyes on bottom
line
originate initiate
challenge status quo accept status quo
do the right thing do things right

Lack of anticipated marketing.
Exit Interview Mechanism not
implemented.
No Interaction with Existing Clients


Wastage of time in Un Productive activity
We are having policy, which not in tune to
Market conditions.
May I Help You Desk concept not
implemented.


Lack of effective Leadership
Low Level motivation among Staff
Closed Mindset of Staff for Changes
Delay in decision Making at all Levels.
Non Availability of Credit Officers.


Branch head is Playing Role of House
Keeper instead of Business developer
 Branch head is attending query of RO /
HO all the time.
 Ageing and Less techno Savvy staff, who
are reluctant to adopt Changes.


To Build Effective and self Motivated
Team.
Branch Head to assign the Duty of
Business Development.
Creation of Post of Manager (operation)
for House Keeping and Back end
Operation.


For Creating a Winning Branch.

What to Do ???????.


Team work is
crucial!

Interpersonal relationships are essential for team
Module Leader

SYTEC
Module Leader

Do you waste your time?
Internal causes
No objectives
No Priorities
No Deadlines
Ineffective delegation
Indecisive


Don’t waste your time?


Involvement of all the Staff members by
inspiring and persuading them
Staff members to be motivated to
contribute in Target.
Branch Head shall focus on Business
Development only.
Posting of Manager Operation for day to
day operation and Responsible for

SWOT analysis of Branch and find out
the own Strength and fellow Bankers’
weakness
Analyze Services and Products offered
by us and by our other Bankers of Area
and Improve the weak area
Politeness and services with Smile
Creating a Good ambience.

Providing Motivational and Behavioural
Training to sub staff
Punctuality of Staff Members
Use of CRM Data for Personal Touch.
Improve Interpersonal Relationship
among Staff.
Recognition for Good Work / Bad Work


Opening of New Branches to the state
where we have few Branches, To
Establish Brand all Over India.
Branches to be allotted Publicity Budget
for sponsoring Local event , which will
Establish Brand at Local Level.
Introduction of Floating Rate of Interest
Deposit Scheme link with Base Rate.


To increase Other Income, we should
finance Insurance Premium in all loan
scheme, Sum Insured equal to Loan
amount. The Premium to be financed in
addition to MPBF.


Positive approach towards Problem of
customers and Finding Best available
solution to satisfy them.

Making the habit, to interact with Five
existing client on daily basis, either at our
Place or Customer’s Place.


Try to Revive at least one inactive /dormant
account by each staff on daily basis .
Interaction with Clients, which will provide you
feed back and reference for New Customer.
(Don’t take Feed Back as a complaint)
Don’t Hesitate to get Feed Back. It is Our
Mirror.
Don’t Hesitate to see the MIRROR.


So Friends, What to do, We should open

EMOTIONAL BANK ACCOUNT.

What is this ????????


KEEP PROMISES
APOLOGIZE

UNDERSTAND
OTHERS
CLARIFY
EXPECTATIONS

TREAT
HUMAN TOUC
H
KINDLY

EMOTIONAL BANK ACCOUNT


Action : Customer Feedback
Impact :
– Increase in Customer satisfaction.
– Introduction of New Customers by satisfied
customer.
You Know that “ One dissatisfied customer will
spoil your Image. “ So Not to ignore any
customer, Whatever his Profile.


Action: Sub-staff Training.

Impact :
– Customer First Interaction with Sub staff , It
Create First Impression on Customer if Sub
staff is well dressed and well behaved.

As You Know That First Impression is last
Impression.


Action : Creation of Post ‘ Manager
(Operation) ‘
Impact :

During the informal Interaction , we find that ‘ We all
are suffering from problem of Shortage of time ‘ and
we analyzed the Reason for same. We observed that ,
Branch head is devoting 50% time in MIS and
compliance activity. Submission of statement,
Replying query of RO/HO for Routine Work. 30% time
in Back End activity and balance 20% time business
Development . (contd…….)

(contd…….)

So Creation of Post and assignment of
duty will relieve Branch Head for Business
Development Purpose, and He will have
sufficient time to work for achievement of
Business Targets.


Action Plan: SWOT Analysis of Branch.

By analyzing the Strength , weakness,
Opportunity and Weakness of Our
Branch and Fellow bankers. We are in a
better Position to face Challenges, Posed
to us.


Action Plan : Punctuality of Timing

What do you feel, when you are in Branch
and customers started to enter in, No
staff Reached to Branch Till Time and all
counters are unattended.
What will be Image of Branch in
customer’s Eyes
?????? ………


Action Plan : Punctuality of Timing

So When Time Norms followed by staff, A
Message reaches to Area that , “Bank me
Sab Time par aa jate he.”


Action Plan : Use of CRM data.

By using CRM data, we can Know
Customer Financial Requirement,
Present and Future. We were able to
Generate additional Business.
Data was also used to sent Birthday
Wishes.


Action Plan : Interpersonal Relation in
Staff.

Good Atmosphere in Branch is Boost for
Customer Service and Good Customer
Service Results in More Customers


Action Plan : Floating rate Deposit
Scheme.
This will Reduce Cost of Deposit and
Reduce Operational Cost. When ROI
Increases, Customer gets The term
Deposit Renewed on Higher Rate but,
in case of Reduction in ROI, He will
not turn up ….

Action Plan : Change in Retail Lending
Scheme.
If we allow 50% of income as EMI, it will
Increase Loan Amount. . This will
enable us to compete with fellow
bankers.


Action Plan : Change in Retail Lending
Scheme.
If Insurance Premium allowed above
MPBF, It will generate Commission
income and Increase in Advances also.


Do What you can, with what you have, where you are

Timeless advice

By

Teddy Roosevelt


Winning team

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